Renters Insurance in Pennsylvania, New Jersey and Delaware
If you’re renting a home in the states of Pennsylvania, New Jersey or Delaware, then you probably have several possessions that you need to protect. While your landlord is responsible for the structure of the home, you have to pay for any items that are damaged inside. Fortunately, the independent insurance agents at Farrell Insurance Associates, Inc. are ready to help you find a policy that can protect your property.
Renter’s insurance is one of the best products that tenants in the Tri-State area can use to protect themselves and their belongings. Under the law, a landlord is responsible for anything that breaks as the result of normal use on the structure of a home. This means that the landlord would have to pay for broken windows in the case of a break-in, or pay to replace flooded drywall in the event of a tornado. The items that belong to a tenant, however, are the responsibility of the tenant. That means a renter has to pay to replace items that were stolen or furniture that was damaged in a storm.
Renter’s insurance ensures that these items are covered. Depending on your level of coverage, this means that you could receive money equivalent to the value of the item, or enough money to replace the items that were lost. It’s also possible to add riders to your policy that cover things such as the value of food lost in a fridge during a power outage or additional coverage for electronics and jewelry. Many renters are also interested in purchasing coverage that could protect them in the event of an accident on their property.
If you’re looking for a new renter’s insurance policy, or if you just want to save money on the policy you already have, call the independent insurance agents at Farrell Insurance Associates, Inc. We have years of experience helping renters in the Tri-State area find a policy with the right amount of protection.